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Should I invest in the US or in my home country?$Should I contribute to a 401k or an IRA?$What happens to my investment if I have to go back?$
$$$Should I invest in the US or in my home country?What happens to my investment if I have to go back?Should I contribute to a 401k or an IRA?

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The cost of starting late

Even a delay of 5 years could result in a loss of $519,000 after 20 years. The longer you wait to invest, the more inflation will eat away at your potential returns.

$1000k$900k$1100k$1200k$1300k$1400k$1500kInvestment ValueStarted investing in 2018$1,429,417$909,474Started investing in 2023Investment value by 2038
$1000k$900k$1100k$1200kInvestment value by 2038$1300k$1400k$1500kInvestment ValueStarted investing in 2018$1,429,417$909,474Started investing in 2023

The image above shows a five-year delay for two investors who invested $25,000 at the start of every year for 15 to 20 years. The assumed rate of return is 7%.

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This study is for educational purposes only. All investments carry risk. Backtested performance is not indicative of future results. The actual performance for investments in this portfolio could be different. Read our full disclosure here about back-tested performance and projections. qplum is not a tax advisor. Please consult with your tax advisor before making any decisions about your tax liabilities.